Prosecution Insights
Last updated: April 19, 2026
Application No. 18/985,276

SYSTEMS AND METHODS FOR OVERMOLDING A CARD TO PREVENT CHIP FRAUD

Non-Final OA §103
Filed
Dec 18, 2024
Examiner
JOHNSON, SONJI N
Art Unit
2876
Tech Center
2800 — Semiconductors & Electrical Systems
Assignee
Capital One Services LLC
OA Round
3 (Non-Final)
74%
Grant Probability
Favorable
3-4
OA Rounds
2y 7m
To Grant
95%
With Interview

Examiner Intelligence

Grants 74% — above average
74%
Career Allow Rate
576 granted / 776 resolved
+6.2% vs TC avg
Strong +21% interview lift
Without
With
+21.2%
Interview Lift
resolved cases with interview
Typical timeline
2y 7m
Avg Prosecution
31 currently pending
Career history
807
Total Applications
across all art units

Statute-Specific Performance

§101
2.8%
-37.2% vs TC avg
§103
47.4%
+7.4% vs TC avg
§102
34.1%
-5.9% vs TC avg
§112
6.0%
-34.0% vs TC avg
Black line = Tech Center average estimate • Based on career data from 776 resolved cases

Office Action

§103
DETAILED ACTION Notice of Pre-AIA or AIA Status The present application, filed on or after March 16, 2013, is being examined under the first inventor to file provisions of the AIA . Continued Examination Under 37 CFR 1.114 A request for continued examination under 37 CFR 1.114, including the fee set forth in 37 CFR 1.17(e), was filed in this application after final rejection. Since this application is eligible for continued examination under 37 CFR 1.114, and the fee set forth in 37 CFR 1.17(e) has been timely paid, the finality of the previous Office action has been withdrawn pursuant to 37 CFR 1.114. Applicant's submission filed on 3/4/26 has been entered. Claim Rejections - 35 USC § 103 The following is a quotation of 35 U.S.C. 103 which forms the basis for all obviousness rejections set forth in this Office action: A patent for a claimed invention may not be obtained, notwithstanding that the claimed invention is not identically disclosed as set forth in section 102, if the differences between the claimed invention and the prior art are such that the claimed invention as a whole would have been obvious before the effective filing date of the claimed invention to a person having ordinary skill in the art to which the claimed invention pertains. Patentability shall not be negated by the manner in which the invention was made. Claim(s) 1-20 are rejected under 35 U.S.C. 103 as being unpatentable over Lowe US Patent No. 2019/0286961 cited in previous action in view of Chapet US Patent No. 7, 866, 563. Re Claim 1, Lowe discloses a fraud prevention device, comprising: a substrate ( card substrate) comprising a plurality of laminated layers wherein an outermost laminated layer includes one or more perforations or channels (P7, P41, P51 areas 305 and 308 in FIGS. 3A-3D represent holes through the cards; Figs. 5a and 5b ) Lowe fails to disclose wherein the one or more perforations or channels extend through the outermost laminated laver and are filled by an overmold to mechanically interlock the overmold with the outermost laminated laver; and the overmold configured to encompass the substrate and fill the one or more perforations or channels of the outermost laminated layer. However Chapet discloses wherein the one or more perforations or channels extend through the outermost laver and are filled by an overmold to mechanically interlock the overmold with the outermost laver; and the overmold configured to encompass the substrate and fill the one or more perforations or channels of the outermost layer (Column 2, lines 49-53, Column 3, lines 41-56, Column 5,lines 16-45; Column 7, lines 1-12). Given the teachings of Chapet it would have been obvious to one of ordinary skill in the art before the effective filing date of the claimed invention to modify the teachings of Lowe with wherein the one or more perforations or channels extend through the outermost laminated laver and are filled by an overmold to mechanically interlock the overmold with the outermost laminated laver; and the overmold configured to encompass the substrate and fill the one or more perforations or channels of the outermost laminated layer. Doing so would increase the mechanical or break strength and fastening the layers together. Re Claim 2, Lowe and Chapet discloses the fraud prevention device of claim 1, and Lowe discloses wherein the outermost laminated layer further includes at least one of a notch and a peg (P51, Figs. 5a, 5b and 5c). Re Claim 3, Lowe and Chapet discloses the fraud prevention device of claim 1, and Lowe discloses wherein the overmold is attached to the substrate without an adhesive (P41). Re Claim 4, Lowe and Chapet discloses the fraud prevention device of claim 1, and Lowe discloses wherein the overmold is adhesively attached to the substrate (P55). Re Claim 5, Lowe and Chapet discloses the fraud prevention device of claim 1, and Lowe discloses wherein the overmold comprises a flexible polymer (P33). Re Claim 6, Lowe and Chapet discloses the fraud prevention device of claim 1, and Lowe discloses wherein the device comprises a front surface, a back surface, and a perimeter, and wherein the overmold wholly encompass the perimeter of the device, encompasses at least a portion of the front surface, and encompasses at least a portion of the back surface (P49). Re Claim 7, Lowe and Chapet discloses the fraud prevention device of claim 1, and Lowe discloses further comprising: a chip pocket formed within the substrate; and a chip at least partially positioned with the chip pocket (P44) . Re Claim 8, Lowe discloses a method of making a card, comprising: providing a substrate comprising a plurality of laminated layers; creating one or more perforations or channels in an outermost laminated layer (P7, P41, P49, P51 areas 305 and 308 in FIGS. 3A-3D represent holes through the cards; Figs. 5a and 5b; Area 307a,b in FIG. 3A and area 307c in FIGS. 3B and 3D represent partially covered holes (pockets) in the card body for the molding material to bind and find purchase). Lowe fails to disclose wherein the one or more perforations or channels extend through the outermost laminated laver and are filled by an overmold to mechanically interlock the overmold with the outermost laminated laver; flowing the overmold material over the outermost laminated layer and into the one or more perforations or channels; and solidifying the overmold material. Chapet discloses wherein the one or more perforations or channels extend through the outermost laver and are filled by an overmold to mechanically interlock the overmold with the outermost laver; flowing the overmold material over the outermost layer and into the one or more perforations or channels; and solidifying the overmold material (Column 2, lines 49-53, Column 3, lines 41-56, Column 5,lines 16-45; Column 7, lines 1-12). Given the teachings of Chapet it would have been obvious to one of ordinary skill in the art before the effective filing date of the claimed invention to modify the teachings of Lowe with wherein the one or more perforations or channels extend through the outermost laminated laver and are filled by an overmold to mechanically interlock the overmold with the outermost laminated laver; flowing the overmold material over the outermost laminated layer and into the one or more perforations or channels; and solidifying the overmold material. Doing so would increase the mechanical or break strength and fastening the layers together. Re Claim 9, Lowe and Chapet discloses the method of claim 8, and Lowe discloses wherein the solidified overmold material encompasses the one or more perforations or channels (P7, P37,P45 P49, P41 ). Re Claim 10, Lowe and Chapet discloses the method of claim 8, and Lowe discloses wherein flowing the overmold material comprises an injection molding process (P40). Re Claim 11, Lowe and Chapet discloses the method of claim 8, and Lowe discloses further comprising: forming a chip pocket using one or more layers of substrate; and positioning a chip at least partially within the chip pocket (P44). Re Claim 12, Lowe and Chapet discloses the method of claim 8, and Lowe discloses wherein solidifying the overmold material at least partially encompasses the substrate (P49). Re Claim 13, Lowe and Chapet discloses the method of claim 8, and Lowe discloses further comprising adhering the overmold to the substrate(P41). Re Claim 14, Lowe and Chapet discloses the method of claim 8, and Lowe discloses wherein the overmold comprises a flexible polymer (P33). Re Claim 15, Lowe discloses a card, comprising: a substrate comprising a plurality of laminated layers wherein an outermost region includes one or more perforations or channels; and the overmold configured to encompass the substrate (P7, P41, P49, P51 areas 305 and 308 in FIGS. 3A-3D Figs. 5a and 5b; Area 307a,b in FIG. 3A and area 307c in FIGS. 3B and 3D represent partially covered holes (pockets) in the card body for the molding material to bind and find purchase. Lowe fails to disclose wherein the one or more perforations or channels extend through the outermost laminated laver and are filled by an overmold to mechanically interlock the overmold with the outermost laminated laver; and the overmold configured to encompass the substrate and fill the one or more perforations or channels of the outermost laminated layer. Chapet discloses wherein the one or more perforations or channels extend through the outermost laver and are filled by an overmold to mechanically interlock the overmold with the outermost laver; and the overmold configured to encompass the substrate and fill the one or more perforations or channels of the outermost layer (Column 2, lines 49-53, Column 3, lines 41-56, Column 5,lines 16-45; Column 7, lines 1-12). Given the teachings of Chapet it would have been obvious to one of ordinary skill in the art before the effective filing date of the claimed invention to modify the teachings of Lowe with wherein the one or more perforations or channels extend through the outermost laminated laver and are filled by an overmold to mechanically interlock the overmold with the outermost laminated laver; and the overmold configured to encompass the substrate and fill the one or more perforations or channels of the outermost laminated layer. Doing so would increase the mechanical or break strength and fastening the layers together. Re Claim 16, Lowe and Chapet discloses the card of claim 15, and Lowe discloses further comprising: a front surface; and a back surface, wherein the overmold encompasses at least one of a portion of the front surface or a portion of the back surface (P49). Re Claim 17, Lowe and Chapet discloses the card of claim 16, and Lowe discloses wherein at least one of the front surface or the back surface includes an exposed portion that is not encompassed by the overmold (P49, also covers at least one entire surface (typically back, but also or instead may be the front) of the card ). Re Claim 18, Lowe and Chapet discloses the card of claim 17, and Lowe discloses wherein the exposed portion includes at least one selected from the group of account number information, identification information, and a decorative image (P49). Re Claim 19, Lowe and Chapet discloses the card of claim 15, and Lowe discloses wherein the overmold is at least one of adhesively attached to the substrate or chemically bonded to the substrate (P41). Re Claim 20, Lowe and Chapet discloses the card of claim 15, and Lowe discloses wherein the overmold comprises a flexible polymer (P33). Conclusion The following reference is cited but not relied upon: Marur disclose a type of seal utilized may vary depending on the type of housing, but in each embodiment, the seal includes a thermoplastic material that is overmolded after the RFID tag has been placed in the housing. The seal material is shaped to either encompass, in whole or in part, the housing or, in select two-piece alternative embodiments, to provide a locking mechanism to help secure the two pieces to one another. Any inquiry concerning this communication or earlier communications from the examiner should be directed to SONJI N JOHNSON whose telephone number is (571)270-5266. The examiner can normally be reached 9am-9pm. Examiner interviews are available via telephone, in-person, and video conferencing using a USPTO supplied web-based collaboration tool. To schedule an interview, applicant is encouraged to use the USPTO Automated Interview Request (AIR) at http://www.uspto.gov/interviewpractice. If attempts to reach the examiner by telephone are unsuccessful, the examiner’s supervisor, Steven Paik can be reached at 5712722404. The fax phone number for the organization where this application or proceeding is assigned is 571-273-8300. Information regarding the status of published or unpublished applications may be obtained from Patent Center. Unpublished application information in Patent Center is available to registered users. To file and manage patent submissions in Patent Center, visit: https://patentcenter.uspto.gov. Visit https://www.uspto.gov/patents/apply/patent-center for more information about Patent Center and https://www.uspto.gov/patents/docx for information about filing in DOCX format. For additional questions, contact the Electronic Business Center (EBC) at 866-217-9197 (toll-free). If you would like assistance from a USPTO Customer Service Representative, call 800-786-9199 (IN USA OR CANADA) or 571-272-1000. SONJI N. JOHNSON Examiner Art Unit 2876 /SONJI N JOHNSON/Primary Examiner, Art Unit 2876
Read full office action

Prosecution Timeline

Dec 18, 2024
Application Filed
Jul 12, 2025
Non-Final Rejection — §103
Sep 04, 2025
Interview Requested
Sep 23, 2025
Applicant Interview (Telephonic)
Sep 24, 2025
Response Filed
Sep 30, 2025
Examiner Interview Summary
Dec 19, 2025
Final Rejection — §103
Mar 04, 2026
Request for Continued Examination
Mar 12, 2026
Response after Non-Final Action
Mar 21, 2026
Non-Final Rejection — §103 (current)

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Study what changed to get past this examiner. Based on 5 most recent grants.

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Prosecution Projections

3-4
Expected OA Rounds
74%
Grant Probability
95%
With Interview (+21.2%)
2y 7m
Median Time to Grant
High
PTA Risk
Based on 776 resolved cases by this examiner. Grant probability derived from career allow rate.

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